Private Construction Loans in the Bay Area and California
Capital Bridge Partners provides construction and heavy-rehab loans for ground-up builds, additions, condo conversions and mixed-use projects in California. Our construction loans are structured around your draw schedule, funded from our own portfolio, and approved in days rather than the months a bank takes. Loan amounts range from $100,000 to $12,000,000 with 12 to 24 month terms.
How construction loans work with a private lender
A construction loan funds the work, not just the purchase. We set an initial advance at closing, then release the remaining budget in draws as each phase of construction is completed and inspected. Because we are local and a direct lender, draw requests are reviewed quickly and funded without a committee. Most of our construction borrowers are experienced developers, contractors and investors who need a lender that understands the build, not just the appraisal.
What we fund
Ground-up residential and multifamily construction, major additions and full gut renovations, ADU and multi-unit conversions, mixed-use and small commercial builds, and ground-up construction on entitled lots, where we fund the build. We lend throughout California with the deepest experience in the nine Bay Area counties and Southern California.
Custom-tailored construction financing
No two builds are alike, so we do not force projects into a preset program. We can combine acquisition and construction in one loan, fund renovation costs alongside the purchase, structure interest reserves, and adjust the draw schedule to your contractor's timeline. If you have a project that does not fit anywhere else, that is usually the one we want to talk about.
Terms at a glance
Loan amount: $100,000 to $12,000,000
Term: 12 to 24 months
Interest rate: Starting at 10.99%
Position: 1st (2nd considered)
Draws: Released as work is completed and inspected
Closing timeline: 3 to 7 business days
Recently funded construction loans
$3,900,000 construction loan, Culver City, CA
$550,000 construction loan, adult care facility, Salinas, CA
See all recently funded loans.
Frequently asked questions
Do you fund the purchase and the construction together? Yes. Our most common construction loans cover both the acquisition and the renovation or build budget in one loan.
How are draws released? We inspect completed work and release the next draw against the approved budget. Turnaround is measured in days.
Do you lend on mixed-use developments? Yes. We have funded mixed-use and multi-tenant projects across California.
Start your construction loan inquiry
Send us the address, budget and timeline. Get Funded or call 415-820-4770.